>> yeah. so it has changed. you know, before you used to hear people say all the time, i want to work until i'm 60. maybe i'll retire when i am 62, and then start to collect social security. now the probability and even the possibility, candy, of them being able to retire at 59 1/2, 62, is nil. most people are going to have to work, if they have a job, and that's a whole other story, but they will have to work until they are 67 or 70, simply to be able to get by. so it's really, really, really sad that that american dream has changed dramatically by about seven years. >> has it changed because of just economic conditions? or has it changed because of demographic conditions, the big baby boomers coming up and you have less in the workforce? >> no, it changed because of the economic conditions. think about it.